Home Loan in Australian property
Everything we've published on home loan — 17 expert guides and news pieces, plus 6 related free calculators.
Can LMI Be Added to a Home Loan? Capitalised LMI Explained
LMI can sometimes be added to an Australian home loan, but it increases the loan, repayments and effective LVR. See a worked example and the limits to check.
ReadMore on Home Loan
16 moreFinanceHome Loan Refinancing Checklist Australia: Costs, Documents and Steps
A practical Australian refinancing checklist covering switching costs, loan terms, lender documents, settlement and break-even testing.
NewsDoes HECS or HELP Debt Affect Borrowing Power in 2026?
How HECS and HELP debt affects mortgage borrowing power in 2026, including the new marginal repayment system, the $67,000 threshold, lender serviceability and whether paying it off before buying can help.
NewsShould You Fix Your Home Loan in 2026 After the RBA Rate Hikes?
A practical 2026 guide to fixed, variable and split home loans after the RBA rate hikes, including repayment certainty, offset access, break costs, refinancing and when each option may suit.
NewsHow Much Can I Borrow After the 2026 RBA Rate Hikes?
How the 2026 RBA rate hikes, APRA serviceability buffer and lender assessment rules affect Australian borrowing power, with worked examples by income and practical ways to protect a pre-approval.
FinanceHow to Compare Home Loans in Australia (2026)
Guide to comparing home loans in Australia: comparison rate, fixed vs variable, fees to watch, and how to find the best deal.
FinanceMortgage Portability and Substitution of Security in Australia
Learn how a home-loan security swap may let an Australian borrower keep an existing loan when moving, including approval, settlement, equity, costs and fixed-rate limits.
FinanceHow to Check Your Offset Account Is Linked and Working
Check whether your mortgage offset account exists, links to the intended loan and appears to reduce interest. Includes a simple statement check and escalation steps.
FinanceLMI Estimate Checklist: 8 Inputs to Check Before You Rely on a Premium
A practical checklist for checking an indicative lenders mortgage insurance estimate against the loan amount, lender valuation, LVR, property type, state duty and actual lender quote.
PropertyHow to Calculate LVR for an Australian Home Loan
Calculate loan-to-value ratio from the loan amount and lender property value, with worked 80%, 90% and valuation-shortfall examples.
FinanceWeekly vs Fortnightly vs Monthly Mortgage Repayments
A practical guide to repayment frequency in Australia, including the difference between true fortnightly repayments and paying half the monthly amount every two weeks.
PropertyBank Valuation Shortfall and LMI: What Australian Buyers Should Check
A practical Australian buyer guide to how a low lender valuation can change LVR, trigger LMI and create a cash shortfall before settlement.
FinanceLMI vs Higher Interest Rate: Which Costs More?
A practical comparison of paying LMI versus accepting a higher interest rate, including how to compare upfront premiums, monthly repayments and long-term interest.
NewsUnderstanding Comparison Rates: Why the Advertised Rate Isn't the Full Story
What an Australian comparison rate is, how it is calculated, why it matters when comparing home loans, and its limitations. Use our Loan Comparison Calculator to compare the true cost of loans.
FinanceInterest-Only vs Principal and Interest Home Loans
Compare how interest-only and principal-and-interest repayments work, including the later repayment step-up, total-interest trade-offs and tax limitations.
FinanceOffset Account vs Redraw Facility: Key Differences Explained
Compare offset accounts and redraw facilities — how each works, the key differences, tax implications for investors, and which option suits your home loan strategy.
NewsYour Fixed Rate Is Expiring in 2026: What to Do Before It Rolls Over
Billions in fixed-rate mortgages are rolling over in 2026. If your fixed rate is expiring, here is what to do to avoid the revert rate shock and potentially save thousands.
Calculators for Home Loan
6 free tools
FinanceMortgage Repayment Calculator
Calculate mortgage payments, total interest, and view an amortization schedule for your home loan.
Run itPropertyLenders Mortgage Insurance (LMI) Calculator
Model an indicative LMI planning proxy and the repayment impact if the premium is capitalised. Actual lender quotes can differ materially.
Run itFinanceInterest-Only Repayment Step-Up Calculator
Estimate the monthly repayment before and after an interest-only period ends, using the balance, rates and remaining loan term entered.
Run itFinanceExtra Repayments & Offset Savings
Calculate how extra repayments and an offset account reduce your total interest and loan term.
Run itFinanceBorrowing Power Calculator
Model indicative borrowing capacity from income, expenses, existing repayments, interest rate and a 3 to 5 percentage-point buffer.
Run itFinanceLoan Comparison Calculator
Compare two home loans side-by-side to find which saves you more over the life of the loan, including fees, interest, and total cost.
Run it